Accounts Offered - Personal & Business

CU Prosper

    For Youth Ages 13-18

It's never too early to invest and save. Plan today for a better tomorrow.

Trona Valley's CU Prosper Youth Account is designed for kids 13-18. The importance of saving and learning how to use money wisely can be taught from a very young age. At Trona  Valley, we offer accounts to help kids learn to save, borrow, and spend responsibly.  Our accounts are perfect for young people to get a good start on managing their finances. Saving for a child’s financial future from the very beginning is responsibly smart. Open an account today.

  • Youth Savings Account
    • $1.00 minimum to open and no service fees
    • Higher dividend rate Savings
    • Earn dividends on entire balance
    • Converts to Traditional Share account after child's 18th birthday
  • Free gift with new account
  • Progressive Certificate* at 5% APY** for ages 13-17 (matures on child's 18th birthday)
  • Pay for A's - get rewarded for good grades
    • Grades K-12
    • $1 for each "A" or equivalent on your report card
    • Request must be made within 3 months of report card date
    • Student must be primary member on account
    • Limit of 4 report cards per year per student
    • Limit of $10 maximum on deposits per report card
  • Punch card program with chance to win prizes
  • Debit card with Checking (with Guardian/Parent)
  • Free ATM Card
  • No monthly fees
  • Eligible for Mobile Deposit Capture at age 15
  • $5.00 deposit for Community Service Achievement***
  • Youth Loans
    • Small scale loan, perfect for youth
    • Learn the basics of borrowing
    • Middle School age students can borrow up to $300 at 1% APR** Fixed Rate
    • High School age students can borrow up to $600 at 2% APR** Fixed Rate
    • Flexible terms up to 12 months
    • Parent or Legal Guardian Co-Signer

NOTE:  The Social Security card of the account holder is required.

*$100.00 minimum to open, make unlimited number of deposits, once the certificate balance reaches $5,000, including deposits and dividends earned, no more deposits may be made, deposits may not be made by ACH, auto transfer or direct deposit.
**APY = Annual Percentage Yield, APR = Annual Percentage Rate
***Community Service Achievement—For each Community Service participation, $5.00 will be deposited into your account, $50.00 maximum/year. See Credit Union for a list of organizations.

image of youth punch card, a gif file shows the card's front and back side

     Click here for complete Punch Card rules.

   Check out our Youth Video!image of a teen in front of a computer